Health & Happiness in 2015

A small amount of physical exercise can make an
enormous impact on the way you feel. Even 20
minutes of light exercise each day can benefit
your overall health. When you introduce
exercise into you daily life, you will have
more energy and vitality and you'll be
able to enjoy more.

We're well into 2015, and this is the
perfect time to make a commitment
to improving your health. You can
start with going for a 20-minute walk
with the dog or a friend. It doesn't
have to be a major commitment, such
as purchasing a gym membership.

The important part is to get started.
It doesn't matter if it's choosing the
stairs instead of the elevator, or a
getting out to the gym - getting
started is the key!

Tips to Save More

Here are 3 tips for saving money around the home.

Lights out.
Turn off lights when they aren't needed - not just
when you're not in a room, but also when there is
enough natural light that they don't need to be on.
Another good tip is to use a timer for lights such as
porch lights - when you only need them on for a
portion of the day.

Keep it cool.
If you're walking around your house in February like
it's summer, then you're spending too much money
on heating. Turn down the thermostat and layer up
with the clothing. The savings can be huge!

Wipe up the savings.
Try using a sponge or rag to wipe up the day-to-day
spills. They are re-usable and it can save quite a bit
of money. Paper towel is convenient - maybe too
convenient - and it's easy in a family household to
use a lot of it if everyone reaches for it every time
there's a spill on the counter.

It's easy to think we'll save money by making a dramatic cut in our spending or a change to our lifestyle,
but the truth is that the small things really add up. Small, incremental changes to how we spend our
money will have a tremendous long-term impact.

Try this experiment. Choose an area where you can make a small adjustment. Then track it over a few
months. This can be eye-opening and very motivating.

A Fresh Start

“We were looking for the
cash to finish the basement off,”
Kevin of Innisfail, AB explains.
Kevin and his family wanted to
borrow enough money to consolidate
their debt. Kevin goes on to say, “Our mortgage consultant explained everything to us very clearly.” It was exactly what they needed to start the new year.

FebruarySudoku

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